BUT the bottom line is, you shouldn't let the fear of missing out – or the fear of letting the squad down – affect you if what you really want to do sometimes is just stay in and chill.

If it's a plan you really don't want to spend money on because you'd prefer spending that money on something else, you do you... and feel guilt-free while you're doing it.

Here's why you shouldn't feel bad about saying "no" to plans.

1. YOLO.

Do the things you truly want to do, and screw the things you don't want to do.

That being said, you do have to be a team player. If it's something that matters a lot to your friend – if she's in a ballet concert and you despise ballet, for example – you need to suck it up and support her.

We all have to take one for the team sometimes. Go, close your eyes, snooze and bring her some flowers.

2. Honesty is the only freaking policy.

Honesty is the key to any relationship. Be honest with yourself, and be honest with your friends.

If you're going to drop a lot of money and be miserable the entire time, it's not fair to you... and it's certainly not fair to your friends. They're not going to want to look at your scowl anyway.

3. Life is expensive.

Face it: Everything costs money. Some of us are probably broke AF thanks to eating, paying rent and doing the things we really want to do.

The last thing we casually have extra money for is dropping it on a plan we're not about. So, don't.

4. You'll probably be miserable.

The time leading up to your plan is going to stress you the heck out... not to mention getting there, and the entire time you're actually there.